Water can enter your home in ways other than actual flooding. The most common water-related loss occurs when water backs up through sewers, drains or sump pumps. The damage can be devastating, easily amounting to tens of thousands of dollars in damage. You can lessen your chance of flooding by not living near a body of water, and you can reduce your risk of basement water with proper drainage, including landscaping and gutters.
If your attempt to avoid or lessen the impact of water damage falls short of what you think is prudent, you can purchase flood insurance. This federal program provides insurance only for the peril of flooding. Your property policy does not provide this coverage. For damage caused by water which enters through a sump pump or drain, you can buy sewer and drain backup coverage by adding an endorsement to your homeowner policy. These endorsements do vary substantially from company to company, and are rarely automatic.
The sewer and drain backup coverage endorsement covers water damage and cleanup. The coverage is activated by water that backs up through your sump pump, or backup from a sewer. Contact us for more information.
Reichley Insurance Agency is committed to excellence. We pride ourselves on offering our clients reliable coverage and great service. As an independent Ohio insurance agency, we can provide you with all types of insurance coverage from the top carriers in the country. Our team of trusted agents will work with you to find a policy that meets your needs – and falls within your budget.
Our dedication makes the difference...
Toll Free: 87-REICHLEY (877-342-4539)
Email: info@reichleyins.com
The information in this article is meant as a guideline only. There is nothing in this publication that alters the coverage or interpretation of any specific policy. Because some statements are generalizations, and because different companies’ policies contain slight differences, please refer to your specific policy. Call our office before making any judgments or decisions concerning your particular situation and coverage that may or may not apply.
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